Market Intelligence

Placer County, CA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Placer County, California, a core county of the Sacramento-Roseville, CA market, holds $14.4B in deposits across 26 insured institutions and 69 branches. Wells Fargo Bank is the largest deposit holder at 20.0% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have grown 2.3% since 2021 while the branch count fell by 13.8%. It produced $26.8B of real gross domestic product in 2024, ranking #177 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$26.8B
#177 of 1,523
Population
442,081
#169 of 1,523
GDP per Capita
$60,609
#342 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$14.4B
#158 of 1,523
Deposits per Capita
$32,623
#322 of 1,523
Deposits per Branch
$209M
#98 of 1,523
Competitive structure
Insured Institutions
26
#128 of 1,523
Branches per 100k Pop.
15.6
#1,251 of 1,523
Median Deposits per Institution
$148M
The median deposits booked by a single institution in the county. #557 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
38.7%
of county deposits held by banks with $100M to $100B in assets. #1,208 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Moderate
49%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2021 to 2026)+2.3% over 5 years
$14.1B
2021
$14.6B
2022
$13.8B
2023
$13.5B
2024
$13.6B
2025
$14.4B
2026

Branches: 80 in 2021 to 69 in 2026. Institutions: 25 to 26. Top-three share: 58% to 49%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$2.9B20.0%11-33%
Bank of America$2.1B14.7%6-12%
JPMorgan Chase Bank$2.0B13.9%6+31%
Five Star Bank$1.9B13.0%1+234%
U.S. Bank$1.3B8.9%10+2%
Columbia Bank$1.0B7.0%4-25%
Mechanics Bank$884M6.1%1+72%
Tri Counties Bank$385M2.7%3+21%
BMO Bank$227M1.6%4-33%
First Northern Bank of Dixon$179M1.2%2-33%
First Bank$173M1.2%2+8%
PNC Bank$163M1.1%2+99%
First-Citizens Bank & Trust Company$158M1.1%1+44%
Community West Bank$137M1.0%1+31%
Sunflower Bank$130M0.9%2-26%
River Valley Community Bank$127M0.9%2+122%
EverBank$123M0.9%1no 2021 presence
Plumas Bank$114M0.8%2+9%
Poppy Bank$106M0.7%1-6%
Banner Bank$73M0.5%1-2%
River City Bank$67M0.5%1-16%
Bank of Marin$57M0.4%1-23%
Citizens National Bank of Texas$55M0.4%1no 2021 presence
El Dorado Savings Bank, F.S.B.$37M0.3%1-25%
Exchange Bank$36M0.2%1-41%
Oak Valley Community Bank$15M0.1%1no 2021 presence

The 26 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Sacramento-Roseville market

Placer County is one of 7 counties that make up the Sacramento-Roseville, CA market, a Combined Statistical Area (ranked #32 of 293 U.S. markets by economic output). It produces 15.7% of the market’s output and holds 14.0% of its deposits.

MeasurePlacer CountyShare of parent market
2024 GDP$26.8B15.7%
Deposits$14.4B14.0%
Population442,08116.0%

View the full Sacramento-Roseville market profile →

Recruiting in Placer County

Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Placer County.

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